Eller Marketing Professor Quoted in The Atlantic

Anastasiya Pochepstova Ghosh, associate professor of marketing and Susan and Philip Hagenah Endowed Faculty Fellow, was quoted in a January 10 article on The Atlantic on buy now pay later programs.

The article discusses that many people—specifically Gen Zers—have now replaced using credit with buy now pay later programs such as Klarna, Afterpay and affirm, which allows buyers to pay for purchases over several interest-free installments.

Because of this, many young consumers have stopped using credit cards. “We have sort of indoctrinated younger borrowers in the idea that having credit card debt is bad,” says Ghosh—who’s research involves asking consumers which form of spending makes them feel the most guilty. “Credit cards are always the worst.”

Ghosh serves as Executive Director of the Eller Partnerships Office, overseeing College engagement with corporate partners. She is an expert in judgment and decision-making, focusing on the financial industry, online retail, and healthcare. She collaborates with many industry partners to design behavioral and choice architecture interventions to improve stakeholders' outcomes and well-being.

Her work has been published in leading academic journals and featured in the popular press. She has received awards for research, teaching, mentorship, and leadership. She received her Ph.D. in Marketing from Yale University and is Associate Professor of Marketing and Susan and Philip Hagenah Endowed Faculty Fellow.